Nationwide Mortgage

nicknameless

Shellbell136 said:

marrandrew said:

Shellbell136 said:

marrandrew said:

Shellbell136 said:

Shellbell136 said:

Been reading here all week. 
My timeline us as folows: 
26/4 DIP referred
27/4 DIP accepted
10/5 Offer accepted on property
10/5 Full application done, April payslip requested
10/5 Hard search done - clearscore
11/5 Instructed solicitor and paid money onto account
11/5 Text to say valuation booked for 12/5
18/5 Broker emailed to say property down valued by 10k.
18/5 Vendor accepted 10k reduction
18/5 Application resubmitted with amended figures. 
23/5 Two texts together to say valuation received and being assessed and valuation accepted. 
23/5 Subsequent soft search appears on clearscore
24/5 Broker requested bank statements for lender of deposit accounts and full statements for second bank account. 
27/5 I rang NW myself for an update. Next update due on 13/6 
28/5 Hard search appeared on credit karma 



Find it strange that another sift search has been done and that the credit karma hard search is dated 28th May. I just want to hear yes or no. Another weekend of waiting and now it's nearly a bank holiday also 😫 its torture. 

I've now had a notification from clearscore to say the first hard search on the 10th May will be removed. What are they playing at? 

did you call NW yourself? can you do that although going through a broker?
can you give me more details including a phone number please ?

Yes you can as people on here have done it. I was thinking the same as you that the Broker does it all. But when you don't really get any information from them its hard just waiting. 

You will need your mortgage application ref number and have to answer some questions but the man read me all the notes about what had been requested and what the underwriter had queried about my income etc. 

03457302011 is the number but they are closed on weekends. 

thank you!
Just asked my MB about the second search and he said NW does that.

So does it mean we are any nearer to the offer stage or not? 
I'm dying here 😭 

Hard search showed up on my record day after receiving offer text.

GreenCat80

Ah, disappointed to read there is a delay atm, I was hoping for my formal offer tomorrow (they received the valuation on Thursday) 🤞🏻
Do NW tell you how much the surveyor valued the property at? (I’m curious/nosey 😆)

Shellbell136

GreenCat80 said:

Ah, disappointed to read there is a delay atm, I was hoping for my formal offer tomorrow (they received the valuation on Thursday) 🤞🏻
Do NW tell you how much the surveyor valued the property at? (I’m curious/nosey 😆)

Yes they tell you how much it was valued at. You may be lucky and get your offer still. I think its luck of the draw half the time. I was told 4 working  days after valuation that mine was down valued.  

GreenCat80

Shellbell136 said:

Yes they tell you how much it was valued at. You may be lucky and get your offer still. I think its luck of the draw half the time. I was told 4 working  days after valuation that mine was down valued.  

Thank you! This is the email they sent on Thursday -

We're pleased to let you know that we've received the valuation report for your mortgage application. We'll review this in the next couple of days and be in touch if we need any more information.

So it doesn’t sound like it will be a long wait 🤞🏻 I’m applying for a mortgage on a house I already own, it’s super quirky and one of a kind so I have no idea what the value would be

rdchick

Hi everyone, 

We're applying for a mortgage with Nationwide via a MA. I fear we're gonna be laughed out the place as my history has been a bit crap in the past. 

Last weekend we viewed a house that we loved and had an offer accepted on Tuesday (24/05)

Our mortgage advisor got a decision in Principle for us on Wednesday 25/05 with Nationwide

Thursday we had our ID checks with the EA and our MA suggested to wait before instructing our solicitor as he is a little worried about my file and whether we will be approved for nationwide...

I have a CCJ that ends in 2 weeks. Obviously that's apparently not a problem as the DIP is back. However I am still paying the Solicitors for this debt and also have a repayment plan with Lowell so they still on my bank statements but Lowell isn't on my file as it was around 10 years ago. 

I am also £1k into my overdraft on my bank statements is that going to be a problem? 

When it comes to actually buying I will be out of my overdraft as it'll be all paid back by mid June. 

We planned to move in September when things would be a little more settled but alas we have found a lovely place and have decided to try our luck now. 

My credit file is 'good' even with the CCJ still on it so that's something, I have no missed payments and my debt on the file is relatively low and the house itself is not even 4x our standard wage (I'm a nurse so have enhancements and do £1k of bank work on top of my normal wage) and we have asked for an 89% LTV mortgage.... So affordability isn't a problem. 

They're gonna say thanks but no thanks aren't they 🙈

Shellbell136

GreenCat80 said:

Shellbell136 said:

Yes they tell you how much it was valued at. You may be lucky and get your offer still. I think its luck of the draw half the time. I was told 4 working  days after valuation that mine was down valued.  

Thank you! This is the email they sent on Thursday -

We're pleased to let you know that we've received the valuation report for your mortgage application. We'll review this in the next couple of days and be in touch if we need any more information.

So it doesn’t sound like it will be a long wait 🤞🏻 I’m applying for a mortgage on a house I already own, it’s super quirky and one of a kind so I have no idea what the value would be

Think about it now. They probably only told me what it was valued at because it was down valued. I'm sure I've seen people on here say that they get told valuation was accepted and that's it. 
I had the same emails and text as you on Monday telling me mine had been accepted and then they asked for documents and I'm still no further forward. 

Shellbell136

rdchick said:

Hi everyone, 

We're applying for a mortgage with Nationwide via a MA. I fear we're gonna be laughed out the place as my history has been a bit crap in the past. 

Last weekend we viewed a house that we loved and had an offer accepted on Tuesday (24/05)

Our mortgage advisor got a decision in Principle for us on Wednesday 25/05 with Nationwide

Thursday we had our ID checks with the EA and our MA suggested to wait before instructing our solicitor as he is a little worried about my file and whether we will be approved for nationwide...

I have a CCJ that ends in 2 weeks. Obviously that's apparently not a problem as the DIP is back. However I am still paying the Solicitors for this debt and also have a repayment plan with Lowell so they still on my bank statements but Lowell isn't on my file as it was around 10 years ago. 

I am also £1k into my overdraft on my bank statements is that going to be a problem? 

When it comes to actually buying I will be out of my overdraft as it'll be all paid back by mid June. 

We planned to move in September when things would be a little more settled but alas we have found a lovely place and have decided to try our luck now. 

My credit file is 'good' even with the CCJ still on it so that's something, I have no missed payments and my debt on the file is relatively low and the house itself is not even 4x our standard wage (I'm a nurse so have enhancements and do £1k of bank work on top of my normal wage) and we have asked for an 89% LTV mortgage.... So affordability isn't a problem. 

They're gonna say thanks but no thanks aren't they 🙈

Good morning, I think as you have a MA they should check the criteria of the lender to make sure you fit before applying. That way there is less chance you will be declined. 

Have you put in a full application yet? 

rdchick

Shellbell136 said:

rdchick said:

Hi everyone, 

We're applying for a mortgage with Nationwide via a MA. I fear we're gonna be laughed out the place as my history has been a bit crap in the past. 

Last weekend we viewed a house that we loved and had an offer accepted on Tuesday (24/05)

Our mortgage advisor got a decision in Principle for us on Wednesday 25/05 with Nationwide

Thursday we had our ID checks with the EA and our MA suggested to wait before instructing our solicitor as he is a little worried about my file and whether we will be approved for nationwide...

I have a CCJ that ends in 2 weeks. Obviously that's apparently not a problem as the DIP is back. However I am still paying the Solicitors for this debt and also have a repayment plan with Lowell so they still on my bank statements but Lowell isn't on my file as it was around 10 years ago. 

I am also £1k into my overdraft on my bank statements is that going to be a problem? 

When it comes to actually buying I will be out of my overdraft as it'll be all paid back by mid June. 

We planned to move in September when things would be a little more settled but alas we have found a lovely place and have decided to try our luck now. 

My credit file is 'good' even with the CCJ still on it so that's something, I have no missed payments and my debt on the file is relatively low and the house itself is not even 4x our standard wage (I'm a nurse so have enhancements and do £1k of bank work on top of my normal wage) and we have asked for an 89% LTV mortgage.... So affordability isn't a problem. 

They're gonna say thanks but no thanks aren't they 🙈

Good morning, I think as you have a MA they should check the criteria of the lender to make sure you fit before applying. That way there is less chance you will be declined. 

Have you put in a full application yet? 

Yes, full application went in Friday so hopefully it'll be ok. I guess it's up to the mortgage gods as to whether they say yay or nay as it seems there's no 100% path to whether or not they'll accept. 

I guess with a crappy money history you get used to being turned away so it's unusual when things go well. 

The DIP was referred originally so I guess it's good that a human has reviewed it and approved it so we can only hope! 

Shellbell136

rdchick said:

Shellbell136 said:

rdchick said:

Hi everyone, 

We're applying for a mortgage with Nationwide via a MA. I fear we're gonna be laughed out the place as my history has been a bit crap in the past. 

Last weekend we viewed a house that we loved and had an offer accepted on Tuesday (24/05)

Our mortgage advisor got a decision in Principle for us on Wednesday 25/05 with Nationwide

Thursday we had our ID checks with the EA and our MA suggested to wait before instructing our solicitor as he is a little worried about my file and whether we will be approved for nationwide...

I have a CCJ that ends in 2 weeks. Obviously that's apparently not a problem as the DIP is back. However I am still paying the Solicitors for this debt and also have a repayment plan with Lowell so they still on my bank statements but Lowell isn't on my file as it was around 10 years ago. 

I am also £1k into my overdraft on my bank statements is that going to be a problem? 

When it comes to actually buying I will be out of my overdraft as it'll be all paid back by mid June. 

We planned to move in September when things would be a little more settled but alas we have found a lovely place and have decided to try our luck now. 

My credit file is 'good' even with the CCJ still on it so that's something, I have no missed payments and my debt on the file is relatively low and the house itself is not even 4x our standard wage (I'm a nurse so have enhancements and do £1k of bank work on top of my normal wage) and we have asked for an 89% LTV mortgage.... So affordability isn't a problem. 

They're gonna say thanks but no thanks aren't they 🙈

Good morning, I think as you have a MA they should check the criteria of the lender to make sure you fit before applying. That way there is less chance you will be declined. 

Have you put in a full application yet? 

Yes, full application went in Friday so hopefully it'll be ok. I guess it's up to the mortgage gods as to whether they say yay or nay as it seems there's no 100% path to whether or not they'll accept. 

I guess with a crappy money history you get used to being turned away so it's unusual when things go well. 

The DIP was referred originally so I guess it's good that a human has reviewed it and approved it so we can only hope! 

My DIP was referred to start also and my credit history is clear so who knows what the rules are. All I know is I'm sick and tired of waiting and obsessing over my emails every few minutes. 1🤣

GreenCat80

Shellbell136 said:

Think about it now. They probably only told me what it was valued at because it was down valued. I'm sure I've seen people on here say that they get told valuation was accepted and that's it. 
I had the same emails and text as you on Monday telling me mine had been accepted and then they asked for documents and I'm still no further forward. 

I hope you get your good news this week 🤞🏻🤞🏻